When Do You Need Personal Injury Protection Insurance?
You never see them coming, but when accidents happen, it is always better to have protection against the damages that follow. Most people wait until it is too late, which ends up costing them dearly, especially as it pertains to auto insurance accidents that you should protect yourself against completely.
Personal Injury Protection is an option you should seriously consider. You should seriously consider a Tucson Personal Injury Attorney whenever you consider insurance options in the city.
What is Personal Injury Protection Insurance?
Personal Injury Protection, or PIP, is a form of auto insurance that provides coverage for various expenses related to personal injuries resulting from car accidents. PIP insurance is also known as “no-fault” insurance because it does not matter who was at fault for the accident; you will still be covered.
PIP is only available in states with no-fault or add-on insurance laws. The policy covers you and your passenger’s medical bills and other expenses in case of a car accident. You will also be covered if you are the passenger in another person’s vehicle or if you are hit as a pedestrian or cyclist.
PIP is different than liability insurance because PIP coverage will pay for your expenses. In contrast, liability insurance will pay for the medical bills of drivers and passengers in the other car when you are at fault for the accident.
What Does Personal Injury Protection Cover?
PIP insurance will protect you in a wide range of scenarios resulting from a car accident. The following are some of the things that PIP insurance will cover:
- Medical expenses — including surgery, ambulance costs, dentistry, medicines, prosthetic devices, and medical supplies necessary for recovery.
- Physical Therapy
- Lost Wages
- Funeral costs
- Substitute services
- Health insurance deductible
On the other hand, there are several things that PIP will not cover, including:
- Damage to your vehicle
- Theft of your car
- Damage to property
As far as medical bills are concerned, PIP will only cover you up to a certain amount; beyond that, you are on your own.
When Do You Need Personal Injury Protection?
It is difficult to determine when you need PIP, but the following guidelines will help you know when to get the insurance. First, PIP is mandatory in some twelve states, plus Puerto Rico. There are also ten other states where PIP is optional. Taking out a PIP insurance policy is up to you in the other states.
Therefore, if you live in a state where PIP is mandatory, you need coverage. Otherwise, you have to decide whether to get the policy or not. However, considering the benefits, a PIP policy offers, it is better to have it and not need it than to need it and not have it.
You may not need PIP insurance if you have a good health insurance policy. On the other hand, if your health insurance policy is lackluster, you should definitely get PIP insurance.
Whenever you are considering auto insurance options, it is best to consider all your options. Always consider covering your bases as the bare minimum will not be sufficient. You never know when you will be involved in a car accident. Talk to an attorney to learn more about PIP insurance coverage.